Your Life Insurance Sucks!

[@holtscustomcreations]

This is exactly why I quit selling insurance. I got sick and tired of ripping people off and I knew exactly what I was doing.

[@mizwenn81]

Timothy Holt that's why I'm with Primerica we only sell what is good for the client and don't sell ANY cash value insurance at all. It's not good for people

[@holtscustomcreations]

Wenlicious I was with Primerica for the better part of a year. Promoting buying a product that does not meet the financial needs of the individual or their families was too much for me. When the whole financial assessment came back claiming somebody needed two to three million dollar policy seemed excessive when simple math said they only needed five hundred thousand to a million. I was constantly pressured to try to sell policies that were exorbitantly higher than what was needed illustrated by Primerica's own Financial assessments.

[@mizwenn81]

Timothy Holt hmm.. My baseshop doesn't teach us to do that. We go based on their current financial situation and needs and try to find a policy that will fit into what they can afford. Sounds like your baseshop didn't have the clients best interest in mind not cool

[@holtscustomcreations]

Wenlicious Agreed. That's why I quit.

[@mizwenn81]

Timothy Holt yeah if that ends up being the care in my baseshop (which so far it has not been we sell so many 30$ policies because that's all the client can afford) then I will also leave

[@solmeadowsfarmnc6846]

That’s why I pride myself on being the worst sales person in the world. I have talked people out of policies bc it’s not best for them. If you look out for the clients best interest in any situation, you will always do the right thing.

[@DanicaChristin]

Dave is absolutely right. Be careful what they're trying to sell you.

[@bmorris8276]

because of you I just bought term life for me and my wife......thank you Dave

[@matrixkernel]

I pay 333 a year on a 100k/10 yr term. I help my mom financially, I still want something for her in case I go before her. Hopefully that’s a decent rate.

[@miguelrobles4102]

How old are you?

[@LifeWithAlliDaily]

Wow. I hope you looked into DR site by now. Only bc you can possibly (depending on your health & age) get a $300K policy for that much per year.

[@nykia31]

Ahh...a good ole Ramsey Whole Life rant :D

[@quarvo23]

Mr Krabs ya he used it interchangeably telling me he doesn’t even understand the difference

[@Philibusting]

But Dave, how else could I "become my own banker"???

[@JiisTube]

I lol'd

[@rr884136]

Do as I say not as I do. Little did we know that Dave actually carries permanent cash value life insurance but says to others, just to get term life insurance if they need it. Wow

[@cpjosh8226]

Have someone structure the policy correctly.

[@Philibusting]

The $800 we keep referring to is more like $924 a yr. I mean, as long as we're talking numbers here ...

[@telecasterbear]

just put the 800 bucks in an envelope at home.

[@dustin9258]

Insurance companies are the worst

[@andytaylor1588]

Ones who sell 'whole life' and 'universal' are crooks.

[@astroman30]

@@andytaylor1588 Amen, brother.

[@justincodybarrs]

I hate whole life. Biggest rip off ever! Buy Term Invest the difference

[@RG0306]

Justin Barrs so you would rather no build cash value and waste money on a term policy?

[@justincodybarrs]

RG 306 do you even know how whole life works insurance works?

[@justincodybarrs]

Mr Krabs how old are we talking. Say they have the policy for 10 years. What happens to the cash value that has built up inside the policy when they die? I am an agent too btw

[@justincodybarrs]

IARDA because whole life agents don’t think of that. I agree with BTID. Always have always will

[@Anditeshordo]

RG 306 id rather throw my savings in other investments like 401k's, Roth IRA's, And/or Mutual Funds. Than throw my money into a Universal and have it be eaten for the raising costs of the insurance premiums that are inside the policy. The time it starts eating up the cash value is around the age most people need it, which is close to retirment.

[@Dflonn]

I'm surprised the policy hasn't completely self destructed. They must have been paying the high end of the variable rate.

[@mverma7845]

I had a ULP agent try to tell me I should buy the policy and put in $1,000 a month. I told him I can't afford to pay my bills where am I going to get a grand he said I can help you find the money he said if you put in a grand for 40 years or so until you retire, he said I would have like half a million and I should do index return so cap the return at like 12% so if the stock market goes down I don't lose any money if it goes up like 15% I get 12% gains (since I capped out at 12%) is that even a good idea to do a indexed ULP? But I imagine if it goes up like 3% I would just get that 3% gain.

[@secretninja4018]

Thank you brother! You helped me out a lot.

[@drew9312]

Excellent advice Dave as always. Thanks

[@paulwilliams5112]

I am glad to review more on this video

[@geomodelrailroader]

if you want life insurance get Term. Cash Value is a ripoff don't buy it or your love one will be stuck paying the bill on your coffin.

[@HealthySkepticism1775]

Just got out of The Marines. The V.A. sent me a letter offering me life insurance through Prudential. The only thing I've read so far is that it is $36 a month for $400,000 of coverage. Does anyone know anything about this?

[@firestarter5038]

David B I was about to ask this question as well. I got $100,000 coverage because from what my recruiter told me it covers you even if you are killed in combat

[@HealthySkepticism1775]

Oscar Gomez I'm confused. What does your recruiter have to do with it. Every active duty service member is covered with $400,000. Doesn't matter how you die, combat, car accident, your family gets it. I'm talking about after you get out of the military

[@firestarter5038]

David B Most life insurance does not cover you in you are killed in combat. What about after the military? It's life insurance if you die then the beneficiary receives the check. Pretty simple

[@HealthySkepticism1775]

Oscar Gomez Youre not even in the military

[@firestarter5038]

David B Not yet but I've already enlisted in the national guard. Why are you so negative?

[@darinherrick2503]

I pay $80 per month for 30 year term insurance for $500,000.00 worth. If I had gotten a better rate I would have gotten a million. I’m 36 and in decent health. If I die my wife is set for life.

[@ThePeterDislikeShow]

I can't understand how term life insurance companies can make money on such deals. Lots of people die by 66.

[@phlyyungin6168]

@Rick Carter xander is a great insurance company for term life

[@HonduranFlower]

Darin Herrick I pay 30 dollars every month for a term life insurance for 450,000 and I started at age of 23 and I am only 26 right now.

[@rickc.9686]

Ana Martinez Im curious. With what company? I am looking right now.

[@HonduranFlower]

Rick Carter i have NYLIFE. Been with them for four years now.

[@JAJA0913]

had a whole life policy with Mass Mutual and lost thousands of dollars in about 10 years.

[@astroman30]

I'm sorry that happened to you.

[@JAJA0913]

@@dakotadak100 My claim was based on the fact that my policy's current cash value is significantly below the total amount of cash contributions.

[@jshock5387]

Universal policies do have fees, the market has fees too, Dave! A standard Whole Life policy has zero fees. At least from a good company that pays dividends as well. Who promotes all these saying we hear eveeywhere? Market, market, market, thats all you hear. Seems like "people" want your money in the casino, I mean market. Look for guarantees wherever you can.

[@danielr951]

Wow Sarasota Fl never thought I heard someone from my home town

[@jaredkuhn8116]

Insurance is supposed to shift risk away from you. These IUL policies do not do that but by the time people find out it's to late. If someone wants permanent insurance at least buy old fashioned whole life so you have a guarantee of future premiums and cash value, and shift the risk back to the company where it belongs.

[@astroman30]

Bad advice

[@mikecolangelo4895]

Love the show Dave

[@jaemichael2188]

what insurance to you have

[@ThePeterDislikeShow]

Can you convert the whole policy to term or does it only work the other way around?

[@astroman30]

Nope...they were scammed.

[@jbone79]

After hearing the story, at this point I would keep the policy

[@Jkaye13]

Dave messed up on the husbands income.. he makes $57,000 a year not $36,000.. he makes $36,000 a year working but also has $21,000 coming in from SS.. so that's a total of $57,000.

[@ricktaylor2644]

I really like this guy Thanks for your help

[@larryd.deutchman9454]

Why not apply for a ten year term before dropping it

[@user-pp6bp7vp5u]

I think the issue is that the husband's health would be prohibitive in acquiring new life insurance. Given his health history, any application for insurance that he submits will likely be dead on arrival or he's issued a policy that is simply too costly due to his combination of age and health. Yet, I'd kick the tires of various insurance companies to see what the marketplace offers. So I agree with you in that regard.

[@mamatosh05]

I purchased a Universal Whole life for my kids, at I think $40, 00 each, I paid for 10 years & I'm finished paying on it, I don't know what the cash value is, but I can check that info with my agent. It seems best to keep it instead if cashing out. Any takers on this one?

[@edermitt]

"Any takers on this one?"...I'll take it. Why did you buy life insurance on the "kids" in the first place? Worst case you'd have to pay to bury them. But it's too late to go back now. Find out what the cash value is, the death benefit is and make your own decision from there. No one can do that but you. REPLY

[@ThricetimesIII]

mamatosh05 if you’d like, I can do a policy review for you to evaluate the company and product you have to determine an answer. There are a lot of misconceptions being thrown around especially on this channel taking things out of context. Your goals for the insurance will play a big part of which product to purchase and how to fund it. The expression Buy term and invest the rest, is a very blanket statement that does not take into account many other variables. Respond to this reply if you would like to reach out and discuss further. Take care

[@astroman30]

@@ThricetimesIII Stay away from lying insurance salesmen like you.

[@Jkaye13]

Yes.. I would think it better to keep it if she's got it almost paid for..

[@zosorob4559]

Cash value? Pay the premium? Im 27 and my moms keeps buggin for me to get life insurance.. I have a feeling she knows very little about it and just signs. I want to know what im getting into!

[@ALT3REDB3AST]

Wait a minute. Does she have a medical condition preventing HER from working???? He's survived two bouts of cancer and is STILL working! What's her excuse???

[@gbone1812]

ALT3REDB3AST he probably told his wife to stay home just maybe my guess

[@catlady2795]

Hopefully her husband can put away a big chunk of his earnings within the next few years while its still only $77. He's more likely to parish when its $200 then now. And I don't understand when dave said use the cash value of 6000 to pay it, you can't have that money unless you cancel your plan I think. It sounds like the terms are changing when it goes up to 200, it's not that the plan is being canceled.

[@hilariohernandez]

"Use the cash value" means don't do anything because the insurance company will automatically(?) pay the premium from the cash value.

[@tmiddlebrooks4731]

Sorry Dave!! Bad Advice this time. How long would you have a term policy? You can convert a term...but to what? Please contact the insurance company! How much more would you have to pay? UL policy is have flexible monthly premiums....Don't throw away your investment. Your husband will now pay more for a $15,000 final expense policy...he is sick. Maybe uninsurable. Yes!!! You need a 401k! But...You need a combination of other vehicles. What happens to your money in a 401k in a down market? There is not one tool that is going to take care of all your needs!

[@ThricetimesIII]

The policy wasn’t funded properly

[@pajawallflower]

If we are on baby step 2 and have two children, should we worry about life insurance?

[@Jo71603]

Hi Paja!

[@ittakesavillage5461]

YES! Have you been though financial peace university?

[@BonnieHalfElven]

Yes! Get it!

[@KiaraDHall]

Yes

[@JiisTube]

Yes, it's more important now than it will be later

[@ChristianHernandez-tj1xy]

IUL>UL

[@ashleytaylor994]

what is the market tanks?

[@jeremyed9507]

Lower benefit to paid up. They bought a policy that was under funded. The product can be useful but often isn't setup correctly or reviewed.

[@richardjaxson7939]

its very good

[@Philibusting]

Thanks for the clarification. To be honest I did not know there were two types of whole life. But I've been looking at this from every angle and can't see the benefit when it takes so much down up front and sooo many years before one can actually see a benefit. So, if you don't mind sharing, how long before you can actually borrow from this new policy and will you be under 200k invested Mr. Krabs?

[@Winston0Boogie]

I don't sell life insurance but whole life has it's pros and cons but this is a universal life policy. Whoever wrote the policy did them a disservice. You can build a universal policy to never be underfunded but whoever wrote it really didn't do a good job.

[@Fukkensaved]

I wholeheartedly disagree, there are no "pros" to whole life. If you want to invest for your future, then take the premium that you would pay into the whole life and invest in the market, you'll end up with 10x more money than value of the policy. If you want insurance in case you die, then buy term insurance to cover you until you've built up enough wealth that you can self insure, you'll pay 20x less on the term policy for the same amount of death benefit. There is no defensible reason to get a whole life policy ever, you'd be better off throwing your money out the window as you drive down the street.

[@joshwakemand.c.4669]

Kesley Goettling sorry, but your message here is simply wrong. You, like many, just don't really understand how universal life can work when done properly. Plain and simple, and no, I've never sold insurance... simply an financially literate. It's a huge missing piece in today's America.

[@lucuslopez6866]

Its 2020. You have no excuse for buying garbage with KZbin being in existance.

[@danielschachle2054]

Use Dave's get out of debt plan to a point that it makes sense. After that find a real licensed advisor (Dave isn't) instead of an entertainer that understands it (Dave obviously doesn't) to talk about your insurance needs.

[@harrisonwintergreen1147]

Always easy to spot the whole life salesmen who comment on these videos 😂Don't need a finance degree like Ramsey to understand what a ripoff whole life cash value is. I immediately dropped my life insurace agent after he tried to sell me IUL when I asked about long term disability coverage. A rip off is a rip off no matter how you rename it

[@Felip3_R]

Dave Ramsey is a financial advisor, you don’t know what you’re talking about

[@dutchleussink156]

Well Said Folks

[@tim3L3ss]

If you're going to have a cash value life insurance account, $77 a month, for anyone other than a child is too low. That's why the plan is garbage, the premium is vastly under-funded, the cash value can't grow adequately. Whether Whole life is the right kind of cash value account is a different question -- the answer, go IUL

[@RD-zq7bp]

You're talking about Universal Life. Not Whole Life. You are misleading people. I'm guessing your sponsors are competitors to the good Whole Life Insurance companies. Keep peddling your BS while ignoring the huge corruption going on in the stock markets and managed funds Dave.

[@MultiSanchez1995]

Rett Darvis Can you explain to me why companies keep your cash value after the death benefit has been paid off?

[@RD-zq7bp]

@@MultiSanchez1995 So the whole purpose of life insurance on why it was created was for death protection hence why all the original policies were not cash value accumulating. In all situations the death benefit must be higher than the cash value so it qualifies as life insurance. As an example the customer so is 35 years of age may pay $10,000 annual premium for 30 years. They've paid $300k total in premium but have a cash value that grew to $500k-$650k along with a death benefit of $800k to $1,000,000. So out of that scenario what do you think your family would rather have in the event of your death? The $500k-$650k cash value account or the $800k-$1,000,000 death benefit? Think of it as if you had a 401k that you contributed to that has a death benefit and over time it amassed $500k-$650k in value but had a death benefit attached to it for $1,000,000 and you're spouse/family members were given the choice between receiving the cash value of the account vs the tax free death benefit portion of the account up your death. Which one would you choose if you were the spouse/family in that scenario? It's a no brainer. Hope this helps out and I am no disagreeing with Dave on the Universal Life argument but he is way off on the cash value Whole Life. If it is set up correctly through the correct company it is one of the greatest tools/assets and multigenerational wealth transfer.

[@rodelolesco1]

@@MultiSanchez1995 there's a different plan that has option to get the cash value added to the death benefit, it's called ART with Increasing Death Benefit. The Cost of Insurance in this plan goes higher every year because you pay the same amount of insurance coverage every year as you age. Now to give you a brief overview of what UL does, the strategy for UL to provide an optimal balance of decreasing insurance protection to fulfill current income obligations and increasing wealth accumulation for retirement. In fact this is the only plan that has the ability to somehow utilize your death benefit while you are still alive. It's a living benefit inside an insurance policy.

[@MultiSanchez1995]

@@rodelolesco1 The UL life policy was created in the 80s for the sole benefit of insurance companies. They needed a way to stay competitive with term policies being sold. As you mentioned an ART will cost the insurer more and more each and every year. You're better of buying a 20-30 year policy making sure your family has protection and invested the money into the market yourself directly for that 20-30 year period. The math never lies. UL policies are garbage. Theres no reason to have both Life Insurance and investment accounts tied together. Stop it. Please.

[@rodelolesco1]

@@MultiSanchez1995 you are just blinded by your own belief. Make your research about Jim Pattinson, Walt Disney and Ray Croc (founder of McDonalds) on how they were able to leverage the cash value in their insurance and use it to start their businesses. I can even send you an actual statement showing how UL helped an individual create his wealth in just 14 years of being patient and loyal to his plan. Term is a very good product, the only problem is there are people who outlived their term insurance and ending up not insurable or if they do they have to pay a hefty cost of premium. Know your stats, in the US and Canada, almost 60% of retirees are financially broke, image if they all have term insurance and ending up outliving their term insurance. The math also shows that UL has more Financial Benefits than term.

[@johnd7304]

Insurance cost goes up each year regardless of the type of insurance you have. It is an ignorant to think that it doesn't. Properly constructed cash value life insurance is a great financial tool.

[@astroman30]

Liar.

[@connecticutyankee9706]

It’s a great financial tool for the guy selling it:, perhaps.

[@datsunmadman]

WFG lol

[@ladyfinesse.333]

Sorry, such bad advice here from someone who obviously does not understand how universal life policies work. She should keep that policy until her husband passes away. He's GUARANTEED to die. It's guaranteed to pay out. There is NO WHERE she can put a few thousand a year somewhere and get the return to beat that tax-free death benefit GUARANTEED. All this woman's life she's only saved $80,000 in a 401k which is fully taxable. How can she now, at age 68, invest to beat a $80,000 life insurance death benefit? Sorry, awful advice here from this guy! I hope she doesn't listen to him. She should start paying more now. Letting the $6,000 cash value pay it will result in her not having any cash value OR life insurance benefit later, so that's HORRIBLE advice! $77/month invested for 20 years would NOT BE $300,000-$400,000 20 years later as he says. Anyone with a calculator can figure that out. That's laughable. That right there lets you know he has no clue what he's talking about. The husband went thru cancer twice & he could have died and so it was the responsible thing to do to have that coverage all that time. The problem with this is that she has been paying MINIMUMS (or close to it) all those years which is not what you should do with universal life. Universal life is flexible premium so you can pay more/less as you please to control how the policy will function. What she should do at this point is ask the company to run an "in-force" illustration to solve for how much she needs to pay to keep it going until at least her husband is age 85. Then solve for same thing at $70,000, $60,000, $50,000... And pay what she can until her husband passes.

[@gbone1812]

bad advice sweetheart. They can purchase term with same death benefit around the same rate. You are basically saying it's time for the husband to die already so she can get the face value. Meanwhile all that money her husband has paid into the policy neither of them will ever touch if they don't surrender the policy. They can either save the money or invest in the stock rather than keep wasting their money on a terrible policy. Also take a look into the comment section, they is a guy who discussed in detail that he hated ripping people off selling those policies.

[@logwind]

found the whole life salesperson...

[@josephburgard6545]

So first of all, whole life and universal life are two different things. And are you advising a 70 year old to start aggressively investing $80/month?

[@ronturitto2738]

So I can invest $924 a year for the next 20 years and I'll have 300K?? Tell me where

[@ashleytaylor994]

@@gbone1812 He can't get covered, He has cancer

[@joshwakemand.c.4669]

I was sad to see this because Ramsey gave multiple pieces of poor advice in the span of a few minutes and then topped it off with trying to use this as an example of why any kind of permanent insurance, whole or universal, is a bad idea. On top of that, he plays the risk/reward poorly as advice on cashing out the policy as well. Just bad advice on top of bad advice here, imo. Its sad that people get into this situation with this type of policy because it's been set up poorly to be able to do what its capable of doing for this woman and her husband. The real problem is the lack of financial literacy of the public, which leads them to not knowing how to buy what they need and why. Dave has helped people budget and improve their finances, but this was a swing and a miss on the take home message.

[@edermitt]

"any kind of permanent insurance, whole or universal, is a bad idea"...You are correct. Never buy any kind of whole life insurance in the the first place and then you never will be in this woman's position. Are you a life insurance agent? Are you an ignoramus or a con artist?

[@edermitt]

"he plays the risk/reward poorly as advice on cashing out the policy as well"..No he doesn't. Neither Ramsey nor anyone else can know what is going to happen in the future. Therefore no one can give good advice on the risk/reward of cashing out the policy,

[@ashleytaylor994]

@@edermitt why is a whole life policy so bad? If you die, your wife gets the death benefit or the kids get it. With a term life, what if you term is up and you are no longer insurable?

[@astroman30]

@@ashleytaylor994 Princess, what happens to ALL the cash value in the policy upon death?

[@ashleytaylor994]

@@astroman30 it pays out as a death benefit. The dividends are reinvested to purchase additional paid up insurance at cost over the years so the death benefit is larger than when it started

[@CowboyStag]

Ramsey. Ripping people off with rents What's the difference?

[@astroman30]

What a stupid comparison you made.

[@CowboyStag]

@@astroman30 I surrender to your superior intellect

[@astroman30]

@@CowboyStag Must be common with you.

[@kermitwade463]

Not all ULs are the same. This advice is terrible! As for those who say “buy term and invest the rest.” How many people actually do that? The “good idea fairy” is ill informed

[@ThricetimesIII]

Kermit Wade agreed. Ramsey has an extreme bias that hurts those who fall him blindly. He definitely knows what he is talking about in most regards, but he clearly isn’t up to date and informed in the current life insurance arena to give out blanket statement advice to people. Smdh

[@mizwenn81]

That's why Primerica is the best term life insurance out there! Never buy cash value or any type of whole life. It's a waste of money and a waste of paper!

[@Dinnerwiththeavilas]

Wendy Freeman That right. Buy term and invest the difference!

[@andytaylor1588]

With Primerica, buy a cheap term policy with riders for disability, etc. and put the difference into Segregated funds through them. You can count on 12%. Above that, invest in Mutual funds as you please. With a good deposit, invest in flipping houses, if that's your bag.

[@ThricetimesIII]

Wendy Freeman I replace primeamerica all day. Not very competitive rates

[@ashleytaylor994]

What if the person's term life runs out at age 50 and he is no longer insurable? He won't have any life insurance anymore and no death benefit for his wife and kids.

[@christophersuchy3632]

@@ashleytaylor994 Primerica has guaranteed renewability at the client's initial rating (adding cost of aging). So if they were a preferred rating at purchase, they are a preferred rating at renewal

[@jeffreykamke]

Dave speaks only the 90% of whole life written poorly. There's a reason banks, corporations, the wealthy, and those in the know use these powerful financial instruments.

[@troysmallwood4205]

Dave Ramsey is pushing TL bcus he gets kick-backs from a TL insurance company. You need to understand this folks!!

[@johncoats438]

Lots of kickbacks. He charges his locals providers a monthly fee to be associated with him.

[@JiisTube]

No that's obviously wrong. He does commercials for a good company that he uses, but you can get your insurance anywhere. He doesn't tell you to only buy from Xander. If cash value was a good product then he'd use it and recommend it. He makes money by making people wealthy in the most guaranteed ways. If he was just trying to push a single company for kickbacks, then he'd tell you to buy whole life from them, because that's the most profitable for the insurance company.

[@astroman30]

Liar.

[@CowboyStag]

What a hypocrite

[@amandathompson9347]

Dave Ramsey doesn't know what he is talking about regarding life insurance.He is telling her to drop the policy right when she needs it. How great dies term insurance look now Dave? By the way $77 per month over 20 years would be about 70k. Not even the value of the life insurance policy. Sloppy math Dave. You shouldn't be giving out life insurance advice. You are obviously incompetent.

[@astroman30]

The garbage policy should've never been purchased in the first place.

[@lotusdiaries9629]

Second

[@2pe318]

This is bad advice for the people who have a dream of owning whole life ins.

[@jeffreybonderman6897]

Paul Hoffman no one of any knowledge dreams of owning Whole Life!

[@quarvo23]

This is one of the most ignorant takes on insurance. Dave makes literally millions selling his books and chafing people for speaking but doesn’t even truly understand the difference between whole life and universal life. If you purchase a indexed universal life policy you get all the benefits of investment with none of the downside of the market IE a correction. If you die the benefit is received tax free UNLIKE 401k, Mutual funds etc. if you buy a IUL early in life and over find it, it will be the best addition to your portfolio. Really disappointed in this as this was my first experience hearing Dave speak. He is giving awful advice.

[@ThricetimesIII]

quarvo23 agreed. I offer an IUL that provides a lifetime income rider as well as living benefits that will provide substantial benefits to the insured. Of course if you are looking to strictly invest, life insurance isn’t the primary vehicle to invest in from a growth standpoint, but if you are looking to diversify as well as protect your life, income and family income tax free, with the option of earning a little return and having permanent coverage for your entire life (if funded properly) it’s definitely a good product.

[@JiisTube]

Lol all the insurance agents disagreeing 😂

[@troysmallwood4205]

I would never gamble my money in a term life policy hoping to die before the term is up. I would much rather pay more for GUARANTEED life insurance that will definitely be there when I need the most. Whole Life is the best for the average person!!

[@astroman30]

Says the insurance salesman.